| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2024 al 20 de noviembre de 2025 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.655280 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2024 | 20/11/2025 | ABSOLUTA | RELATIVA | 31/12/2024 | 20/11/2025 | ABSOLUTA | RELATIVA | 31/12/2024 | 20/11/2025 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 186,954.5 | 244,594.2 | 57,639.7 | 30.8 | -35,975.5 | -46,500.0 | -10,524.5 | 29.3 | 150,979.0 | 198,094.2 | 47,115.2 | 31.2 |
| 1. Activo externo 1/ | 186,954.5 | 244,594.2 | 57,639.7 | 30.8 | 8,955.6 | 7,369.9 | -1,585.7 | -17.7 | 195,910.2 | 251,964.0 | 56,053.8 | 28.6 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -44,931.2 | -53,869.8 | -8,938.6 | 19.9 | -44,931.2 | -53,869.8 | -8,938.6 | 19.9 |
| II. ACTIVOS INTERNOS NETOS | -29,934.8 | -77,321.2 | -47,386.4 | 158.3 | 419,498.4 | 466,363.1 | 46,864.7 | 11.2 | 321,394.7 | 316,917.0 | -4,477.7 | -1.4 |
| 1. Actividad crediticia | -9,986.1 | -26,129.0 | -16,142.9 | 161.7 | 402,592.4 | 435,709.2 | 33,116.8 | 8.2 | 392,606.3 | 409,580.2 | 16,973.9 | 4.3 |
| 1.1 Al Sector público neto | -12,044.2 | -28,187.1 | -16,142.9 | 134.0 | 23,231.0 | 29,424.4 | 6,193.4 | 26.7 | 11,186.8 | 1,237.3 | -9,949.5 | -88.9 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 380,321.9 | 407,044.1 | 26,722.2 | 7.0 | 380,321.9 | 407,044.1 | 26,722.2 | 7.0 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 280,283.0 | 300,132.9 | 19,849.9 | 7.1 | 280,283.0 | 300,132.9 | 19,849.9 | 7.1 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 100,038.9 | 106,911.1 | 6,872.2 | 6.9 | 100,038.9 | 106,911.1 | 6,872.2 | 6.9 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,090.7 | 1,291.9 | 201.2 | 18.4 | 1,097.6 | 1,298.8 | 201.2 | 18.3 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 605.8 | 810.7 | 204.9 | 33.8 | 612.8 | 817.7 | 204.9 | 33.4 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 484.8 | 481.1 | -3.7 | -0.8 | 484.8 | 481.1 | -3.7 | -0.8 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 57,765.7 | 60,240.5 | 2,474.8 | 4.3 | -19.3 | -13.4 | 5.9 | -30.6 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 10,376.0 | 11,863.2 | 1,487.2 | 14.3 | -7.9 | -7.8 | 0.1 | -1.3 |
| 4. Otros Activos Netos | 27,365.5 | 10,273.0 | -17,092.5 | -62.5 | -71,684.4 | -68,162.9 | 3,521.5 | -4.9 | -44,318.9 | -57,889.8 | -13,570.9 | 30.6 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -3,809.5 | -4,161.6 | -352.1 | 9.2 | -3,809.5 | -4,161.6 | -352.1 | 9.2 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -47,314.2 | -61,465.2 | -14,151.0 | 29.9 | 24,258.2 | 30,874.6 | 6,616.4 | 27.3 | -23,055.9 | -30,590.6 | -7,534.7 | 32.7 |
| 7.1 Con entidades públicas | -20,608.7 | -25,006.2 | -4,397.5 | 21.3 | 0.0 | 0.0 | 0.0 | 0.0 | -20,608.7 | -25,006.2 | -4,397.5 | 21.3 |
| 7.2 Otros inversionistas | -26,705.5 | -36,459.0 | -9,753.5 | 36.5 | 24,258.2 | 30,874.6 | 6,616.4 | 27.3 | -2,447.3 | -5,584.4 | -3,137.1 | 128.2 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 157,019.7 | 167,272.9 | 10,253.2 | 6.5 | 383,522.9 | 419,863.1 | 36,340.2 | 9.5 | 472,373.7 | 515,011.1 | 42,637.4 | 9.0 |
| IV. DINERO PRIMARIO | 146,635.8 | 155,401.9 | 8,766.1 | 6.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 57,785.0 | 60,253.9 | 2,468.9 | 4.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 55,586.5 | 57,859.5 | 2,273.0 | 4.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,179.2 | 2,381.1 | 201.9 | 9.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 19.3 | 13.3 | -6.0 | -31.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 10,383.9 | 11,871.0 | 1,487.1 | 14.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 9,949.4 | 11,412.5 | 1,463.1 | 14.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 426.6 | 450.5 | 23.9 | 5.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 7.9 | 8.0 | 0.1 | 1.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 | 103,388.7 | 104,714.0 | 1,325.3 | 1.3 | 192,239.6 | 199,862.0 | 7,622.4 | 4.0 |
| 1. Numerario en circulación | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 | 0.0 | 0.0 | 0.0 | 0.0 | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 103,388.7 | 104,714.0 | 1,325.3 | 1.3 | 103,388.7 | 104,714.0 | 1,325.3 | 1.3 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 202,863.9 | 231,703.6 | 28,839.7 | 14.2 | 202,863.9 | 231,703.6 | 28,839.7 | 14.2 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 | 306,252.6 | 336,417.5 | 30,164.9 | 9.8 | 395,103.5 | 431,565.5 | 36,462.0 | 9.2 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,134.6 | 32,278.0 | 2,143.4 | 7.1 | 30,134.6 | 32,278.0 | 2,143.4 | 7.1 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 47,135.7 | 51,167.6 | 4,031.9 | 8.6 | 47,135.7 | 51,167.6 | 4,031.9 | 8.6 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 77,270.3 | 83,445.6 | 6,175.3 | 8.0 | 77,270.3 | 83,445.6 | 6,175.3 | 8.0 |
| XII. MEDIOS DE PAGO TOTALES | 88,850.8 | 95,148.0 | 6,297.2 | 7.1 | 383,522.9 | 419,863.1 | 36,340.2 | 9.5 | 472,373.7 | 515,011.1 | 42,637.4 | 9.0 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 562.9 | 663.9 | 101.0 | 17.9 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 251.3 | 1,025.6 | 774.3 | 308.1 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 4,491.6 | 7,179.4 | 2,687.8 | 59.8 | -.- | -.- | -.- | -.- |